Paying for assisted living and home care in Florida
- Last checked
- 14 official or primary sources
- Independent, not a care agency
Quick answer
Possibly, if the person meets the rules. Florida Medicaid home and community-based programs (such as Statewide Medicaid Managed Care Long-Term Care (SMMC LTC) – Participant Direction Option (PDO)) can pay for care at home for people who qualify, but federal waiver money can't pay room and board in assisted living. Some veterans can get VA Aid and Attendance or Housebound money or VA home care. Medicare doesn't pay for long-term care. In CareScout's 2025 Cost of Care Survey, the Florida median was $5,610 a month for assisted living and $6,101 a month for a non-medical caregiver at home 44 hours a week ($32/hour).
What care costs in Florida
| Type of care | Florida median | U.S. median |
|---|---|---|
| Assisted living (monthly, private one-bedroom) | $5,610 | $6,200 |
| Home care, non-medical caregiver (monthly, 44 hrs/week) | $6,101 | $6,673 |
| Home care, non-medical caregiver (hourly) | $32 | $35 |
Source: CareScout Cost of Care Survey 2025 (surveyed July–November 2025). Survey medians, not quotes; prices vary by city and provider.
Medicaid in Florida
These are the Florida Medicaid home and community-based programs we've documented in our Florida caregiver pay guide:
Statewide Medicaid Managed Care Long-Term Care (SMMC LTC) – Participant Direction Option (PDO)
Enrollees whose plan of care includes adult companion care, attendant care, homemaker, intermittent/skilled nursing, or personal care, and who live in their own or a family home, can hire their own direct service worker, including family members, neighbors, or friends. The enrollee is the employer.
Home Care for the Elderly (HCE)
For Floridians 60+ living in a family-type arrangement in a private home. Provides a subsidy for support and maintenance of the elder (not hourly caregiver wages).
How to apply: Call the Elder Helpline at 1-800-96-ELDER (800-963-5337) to reach your local ADRC for SMMC LTC screening. If already enrolled, ask your LTC plan case manager about PDO.
Waiting list: Unknown – check with your local Aging and Disability Resource Center (ADRC).
Assisted living: Unverified: we haven't yet confirmed on an official Florida page whether Medicaid pays for services in assisted living. Where states do, federal rules don't allow waiver money for room and board (42 CFR 441.310), so ask how rent and meals would be paid.
Some of these programs let the person hire a family caregiver. Can family get paid in Florida?
Veterans in Florida
VA Aid and Attendance and Housebound benefits add to the VA pension for wartime veterans and surviving spouses who qualify. VA pays the gap between countable income and a yearly limit: for December 1, 2025 to November 30, 2026, $29,093 for a veteran with no dependents who qualifies for Aid and Attendance, or $34,488 with one dependent (VA rates). Enrolled veterans may also get Homemaker and Home Health Aide care or Veteran-Directed Care where it's offered. VA doesn't pay assisted living rent but may cover some services. See also VA programs that pay family caregivers.
Other help in Florida
Medicare doesn't pay for long-term custodial care (Medicare.gov). Your local Area Agency on Aging can tell you about Florida programs outside Medicaid, like respite and caregiver support. Find it through the Eldercare Locator (1-800-677-1116). Need ramps or grab bars instead? See home modification grants.
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Frequently asked questions
Will Medicaid pay for assisted living in Florida?
We haven't confirmed on an official Florida page whether Medicaid covers services in assisted living there. Where states do, federal rules don't allow waiver money for room and board, so rent and meals are usually paid separately. Ask the Florida Medicaid agency.
Will Medicaid pay for home care in Florida?
Florida Medicaid offers home and community-based programs, including Statewide Medicaid Managed Care Long-Term Care (SMMC LTC) – Participant Direction Option (PDO); Home Care for the Elderly (HCE). Eligibility depends on income, assets and care needs, and enrollment can be limited.
Can a veteran in Florida get help paying for care?
Wartime veterans and surviving spouses who meet VA's income, net worth and care-need rules may get Aid and Attendance or Housebound pension money. Enrolled veterans may get VA Homemaker and Home Health Aide care or Veteran-Directed Care where offered. These are federal programs, so the rules are the same in Florida as everywhere.
How much does senior care cost in Florida?
In CareScout's 2025 Cost of Care Survey, the Florida median was $5,610 a month for assisted living and $6,101 a month for a non-medical caregiver at home 44 hours a week ($32/hour). These are medians, not quotes.
Sources
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